The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107   771,518 8,695 SH   SOLE   8,695 0 0
ALPHABET INC CAP STK CL A 02079K305   2,548,786 28,888 SH   SOLE   28,888 0 0
AMAZON COM INC COM 023135106   2,553,790 30,402 SH   SOLE   30,402 0 0
APPLE INC COM 037833100   69,394 192 SH   SOLE   0 0 50
APPLE INC COM 037833100   1,358,599 10,456 SH   SOLE   10,456 0 0
BANK AMERICA CORP COM 060505104   1,328,338 40,107 SH   SOLE   40,107 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   873,663 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,493,540 11,310 SH   SOLE   11,310 0 0
BROADCOM INC COM 11135F101   2,190,453 3,918 SH   SOLE   3,918 0 0
CHEVRON CORP NEW COM 166764100   246,039 1,371 SH   SOLE   1,371 0 0
CISCO SYS INC COM 17275R102   1,339,440 28,116 SH   SOLE   28,116 0 0
DIAMOND HILL INVT GROUP INC COM NEW 25264R207   2,087,502 11,283 SH   SOLE   11,283 0 0
ENBRIDGE INC COM 29250N105   1,569,651 40,145 SH   SOLE   40,145 0 0
EXPEDITORS INTL WASH INC COM 302130109   2,009,286 19,335 SH   SOLE   19,335 0 0
EXXON MOBIL CORP COM 30231G102   1,599,055 14,497 SH   SOLE   14,497 0 0
IDT CORP CL B NEW 448947507   1,390,421 49,358 SH   SOLE   49,358 0 0
JOHNSON & JOHNSON COM 478160104   2,898,171 16,406 SH   SOLE   16,406 0 0
JPMORGAN CHASE & CO COM 46625H100   1,584,310 11,814 SH   SOLE   11,814 0 0
LOCKHEED MARTIN CORP COM 539830109   2,450,178 5,036 SH   SOLE   5,036 0 0
MARKEL CORP COM 570535104   2,621,553 1,990 SH   SOLE   1,990 0 0
MEDTRONIC PLC SHS G5960L103   1,117,088 14,373 SH   SOLE   14,373 0 0
META PLATFORMS INC CL A 30303M102   2,309,369 19,190 SH   SOLE   19,190 0 0
MICROSOFT CORP COM 594918104   2,154,607 8,984 SH   SOLE   8,984 0 0
NVR INC COM 62944T105   377,810 82 SH   SOLE   82 0 0
OCCIDENTAL PETE CORP COM 674599105   631,582 10,027 SH   SOLE   10,027 0 0
OLIN CORP COM PAR $1 680665205   948,665 17,920 SH   SOLE   17,920 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   669,885 794 SH   SOLE   794 0 0
PIMCO CORPORATE & INCOME OPP COM 72201B101   3,013,151 250,887 SH   SOLE   250,887 0 0
PIMCO CORPORATE & INCOME OPP COM 72201B101   145 4,307 SH   SOLE   0 0 66
QUALCOMM INC COM 747525103   1,174,574 10,684 SH   SOLE   10,684 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   27 1,098 SH   SOLE   0 0 297
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   5,455,283 72,217 SH   SOLE   72,217 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   730,522 5,377 SH   SOLE   5,377 0 0
SOUTHERN CO COM 842587107   613,304 8,588 SH   SOLE   8,588 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   36 1,641 SH   SOLE   0 0 1,203
SPDR SER TR PORTFOLIO SHORT 78464A474   3,348,597 113,975 SH   SOLE   113,975 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   1,228,234 16,489 SH   SOLE   16,489 0 0
UNITEDHEALTH GROUP INC COM 91324P102   921,067 1,737 SH   SOLE   1,737 0 0
VALERO ENERGY CORP COM 91913Y100   1,037,963 8,182 SH   SOLE   8,182 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,794,716 63,692 SH   SOLE   63,692 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,075,994 70,657 SH   SOLE   70,657 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   89,745 5,110 SH   SOLE   0 0 586
VANGUARD INDEX FDS GROWTH ETF 922908736   1,304,564 6,122 SH   SOLE   6,122 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   235,014 870 SH   SOLE   0 0 870
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   146,624 5,334 SH   SOLE   0 0 5,334
VANGUARD INDEX FDS VALUE ETF 922908744   2,031,388 14,472 SH   SOLE   14,472 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,169,852 16,580 SH   SOLE   16,580 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,921,134 12,098 SH   SOLE   12,098 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   477,853 2,604 SH   SOLE   2,604 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,435,758 7,159 SH   SOLE   7,159 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   951,251 5,292 SH   SOLE   5,292 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,298,681 9,603 SH   SOLE   9,603 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   547,711 14,051 SH   SOLE   14,051 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   700,295 6,812 SH   SOLE   6,812 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   712,047 14,201 SH   SOLE   14,201 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   122,375 2,181 SH   SOLE   0 0 299
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   7,907,033 136,753 SH   SOLE   136,753 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   65 278,422 SH   SOLE   0 0 277,606
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,248,651 41,150 SH   SOLE   41,150 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   351,066 6,788 SH   SOLE   6,788 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   194 342 SH   SOLE   0 0 70
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   5,977,281 55,238 SH   SOLE   55,238 0 0
VERISIGN INC COM 92343E102   608,420 2,962 SH   SOLE   2,962 0 0
VISA INC COM CL A 92826C839   1,868,000 8,991 SH   SOLE   8,991 0 0